Aussies appreciate a good thrill when they’re abroad. Take the Nevis Swing in Queenstown (the biggest swing in the world), for example. It no doubt gets its fair share of Aussie visitors, who want to hit crazy speeds (apparently 120 kph) when they drop towards the ground, before being slung skywards on the upswing.

…But, you don’t any of them trying this without a harness, do you?

Travelling requires bravery and smarts in equal parts, and you need to protect yourself as best you can – even if you have the wildest of hearts. Here’s how you can experience all the thrills of adventure travelling, while still enjoying the peace of mind that comes with being covered by a travel insurance policy.

What can I get coverage for?

Things like …

  • Hiking
  • Surfing
  • Skiing / snowboarding
  • Motorcycling (provided you have the correct license)
  • Snorkelling
  • Bungee jumping
  • Sky diving

However, some insurers will happily cover you for some of the above…others will not. Keep in mind if you’re intoxicated during any incident, you claim is going to be denied: simple as that.

Activities that probably aren’t covered by travel insurance

  • Base jumping
  • Hang gliding
  • Hunting
  • Mountaineering / abseiling
  • Parkour
  • Professional and contact sport
  • Rodeos
  • Ski acrobatics
  • Wingsuit gliding

Your insurer may exclude all these activities, or, they may exclude none of them. However, they’re commonly excluded, which is why we’ve detailed them above. You should look carefully at excluded activities in your product disclosure statement to make sure you’re not barred from doing something you truly have your heart set on.

Are there certain countries I cannot travel to?

Probably not, but there are circumstances where you won’t be able to claim. For example, if there’s a terrorist attack, an act of war, a pandemic, or a severe weather event, your claim may be denied if you knowingly put yourself in harm’s way. If no travel advisory warnings were issued previously by the Australian Government (for example on their Smart Traveller website), you’re likely to be able to claim for medical treatment, cancellations, and more.

Get covered for travel insurance no matter who you are.